Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises
FHLMC Single-Family Guide §8401.1 governs Servicer-side handling of partial release / easement / land-acquisition requests for the Mortgaged Premises: appraisal-with-interior-exterior-inspection requirement (Topic 5600); current-payment + continuing-capacity Borrower precondition; required written approvals from FHA/VA/ RHS/MI + all superior lienholders; 12-month-since-origination minimum seasoning; tax-authority notification on release; First Lien + title insurance integrity preservation. Fills FHLMC Servicing Chapter 8401 gap.
Verbatim regulatory text
Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
FHLMC Single-Family Guide §8401.1(a)(i) — Appraisal with interior+exterior inspection for partial release / easement requests
the Servicer must obtain an appraisal report with an interior and exterior inspection that meets the requirements of Topic 5600 when considering such requests in order to determine the value of the Mortgaged Premises immediately before the release and the estimated value after the release.
FHLMC Single-Family Guide §8401.1(a)(i) — Written approval from FHA/VA/RHS/MI + all superior lienholders for partial release/easement
The Servicer has received written approval of the FHA, VA, RHS or MI and all superior lienholders, if applicable
FHLMC Single-Family Guide §8401.1(a)(i) — 12-month-since-origination minimum seasoning for partial release/easement
At least 12 months have passed since the Origination Date
FHLMC Single-Family Guide §8401.1(a)(i) — Notify tax authorities upon partial release for assessment adjustment
Upon release, the Servicer must ensure that all applicable tax authorities are notified for adjustment of applicable assessments. The Servicer is responsible for ensuring that the title of the Mortgaged Premises after the partial release remains a valid First Lien as required in Section 4201.2 and the title insurance meets the requirements of Chapter 4702 after the partial release or easement has been granted. If any of the above conditions are not met, the Servicer must complete and submit Form 715, Borrower Application for Partial Release or Easement, to Freddie Mac via e-mail at [email protected] or fax at (571) 382-4933.
FHLMC Single-Family Guide §8401.1(a)(i) — Preserve valid First Lien position post-release
The Servicer is responsible for ensuring that the title of the Mortgaged Premises after the partial release remains a valid First Lien as required in Section 4201.2 and the title insurance meets the requirements of Chapter 4702 after the partial release or easement has been granted. If any of the above conditions are not met, the Servicer must complete and submit Form 715, Borrower Application for Partial Release or Easement, to Freddie Mac via e-mail at [email protected] or fax at (571) 382-4933. (ii) Additional requirements for easements In addition to the requirements noted in Section 8401.1(a)(i), the Servicer must ensure that any special requirements for the granting of an easement as specified in the Security Instrument are met.
Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises — PENDING VERSION, takes effect 2027-09-27
Not yet in force. This is the pending version of the section, which takes effect 2027-09-27. The other version on this page governs until then.
Changes Affecting the Mortgaged Premises (Future effective date 09/27/27)
Operationalizing Freddie Mac Single-Family Seller/Servicer Guide 8401 — Changes to the Mortgaged Premises
This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.
To work from the whole rulebook rather than this one page: download the corpus — every register on this site, verbatim, each with its source snapshot and effective date — then follow the methodology. It asks your assistant to answer only from the downloaded text, cite the register id and effective date it used, and tell you when the corpus does not cover something instead of filling the gap from memory. Running it locally also means no one sees which regulations you are looking at.
Source of record: https://claudeforcompliance.com/regs/fhlmc-8401/
· register fhlmc-8401 · Claude for Compliance. Free to read and download;
see regulatory updates and methodology.